Middlesex County and Watertown City property record for 56 Duff St, Watertown, MA 02472
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2 ba · 874 sqft · built 1940 |
| Lot Size | 4.94 acres (215,612 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $497,000 (Mar 2022) |
| Tax Bill | $5,499 (2026) |
| Deeds & Mortgages | Jan 2022 Refinance Oct 2021 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 73390-02 |
| Primary APN | 73390-02 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 874 sqft Living Area |
| Gross Area | 1,311 sqft |
| Basement Area | 437 sqft |
| Unfinished Basement | 437 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Other |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 215,612 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 7486 |
|---|---|
| Street Address | 56 DUFF ST |
| City | WATERTOWN |
| State | MA |
| Zip | 02472-3016 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | R.75 |
| Legal Subdivision | VILLAGE CONDO |
| Legal Block | 2 |
| Legal Lot Number | 1037 |
| Jurisdiction | WATERTOWN MA |
| Township / Civil Division | WATERTOWN TOWN |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 370101 |
Source: Middlesex County and Watertown City records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 56 DUFF ST, WATERTOWN, MA 02472-3016 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 12, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance BRUCE RICHARDS |
| Oct 18, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance WRENTHAM COOPERATIVE BANK |
| Mar 24, 2022 | Condominium Deed, Transfer · Stand-Alone First Mortgage TD BANK NA |
| Apr 29, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance CAMBRIDGE SAVINGS BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 24, 2022 · Amount on Record |
| Deed Sale | Mar 24, 2022 · Amount on Record |
| Prior Sale | Apr 30, 2015 · Amount on Record |
| Deed Book / Page | 79870 / 517 |
| Transfer Doc | 065292-557 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERTOWN MA |
| Property Address | 56 DUFF ST, WATERTOWN, MA 02472-3016 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 079519-288 |
|---|---|
| Date | Jan 12, 2022 |
| Book Page | 79519/288 |
| Instrument | 5943 |
| Name | BRUCE RICHARDS |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERTOWN MA |
| Property Address | 56 DUFF ST, WATERTOWN, MA 02472-3016 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0078935-49 |
|---|---|
| Date | Oct 18, 2021 |
| Book Page | 78935/49 |
| Instrument | 228420 |
| Name | WRENTHAM COOPERATIVE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Nov 1, 2031 |
| Document Type | Condominium Deed |
|---|---|
| Jurisdiction | WATERTOWN MA |
| Recording Date | Mar 24, 2022 |
| Property Address | 56 DUFF ST, WATERTOWN, MA 02472-3016 |
| Document Number | 079870-517 |
| Book / Page | 79870 / 517 |
| Instrument Date | Mar 24, 2022 |
| Instrument | 44239 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 56 STUART ST # DRFF, DRFF, WATERTOWN, MA 02472-1630 |
| Document Number | 0000044240 |
|---|---|
| Date | Mar 24, 2022 |
| Instrument | 44240 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERTOWN MA |
| Property Address | 56 DUFF ST, WATERTOWN, MA 02472-3016 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 74567-150 |
|---|---|
| Date | Apr 29, 2020 |
| Book Page | 74567/150 |
| Instrument | 63432 |
| Name | CAMBRIDGE SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | May 1, 2040 |
Source: Middlesex County and Watertown City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| Municipality | Watertown City |
| Unified School District | Watertown School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,499.00 (+4.46%) | $450,700 (-) Building $450,700 | $560,215 (-) |
| 2025 | $5,264.00 (-2.34%) | $450,700 (-2.17%) Building $450,700 | $560,215 (+3.75%) |
| 2024 | $5,390.00 (-8.75%) | $460,700 (+5.91%) Building $460,700 | $539,980 |
| 2023 | $5,907.00 | $435,000 Building $435,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WATERTOWN DEPARTMENT OF PUBLIC WORKS serves 35,985 people · EPA ID MA3314000 |
|---|---|
| Water Source | Purchased surface water from MWRA |
| Last State Inspection | Oct 2025 |
| Lead | 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 856 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 2,000 |
| Astound Broadband Cable | 1,500 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
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